Resident, with penny in account, worried (8)
I believe the answer is:
occupant
'resident' is the definition.
('occupant' can be a synonym of 'resident')
'penny in account worried' is the wordplay.
'penny' becomes 'p'.
'in' means one lot of letters goes inside another.
'worried' is an anagram indicator.
'account' is an anagram of 'occuant'.
'p' inserted within 'occuant' is 'OCCUPANT'.
'with' is the link.
(Other definitions for occupant that I've seen before include "One in residence" , "Inhabitant, resident" , "Tenant - resident" , "Insider" , "Indweller" .)